                &\multicolumn{1}{c}{(1)}&\multicolumn{1}{c}{(2)}&\multicolumn{1}{c}{(3)}&\multicolumn{1}{c}{(4)}&\multicolumn{1}{c}{(5)}\\
                &\multicolumn{1}{c}{Any MoB}&\multicolumn{1}{c}{Sum MoB}&\multicolumn{1}{c}{No. MoB}&\multicolumn{1}{c}{Savings}&\multicolumn{1}{c}{Late Repayment}\\
\midrule
Savings         &   -0.006\sym{**} &   -5.616         &   -0.044\sym{***}&   -4.404         &   -0.015         \\
                &  (0.003)         &  (3.866)         &  (0.016)         & (15.353)         &  (0.012)         \\
\addlinespace
Mobile Banking  &    0.069\sym{***}&   33.610\sym{***}&    0.086\sym{***}&   18.582         &   -0.025\sym{**} \\
                &  (0.005)         &  (4.972)         &  (0.023)         & (15.404)         &  (0.012)         \\
\addlinespace
Savings  $\times$ Loan&    0.008\sym{*}  &    9.143\sym{*}  &    0.060\sym{***}&   29.095         &                  \\
                &  (0.004)         &  (5.403)         &  (0.022)         & (20.042)         &                  \\
\addlinespace
MB  $\times$ Loan&   -0.019\sym{***}&  -13.994\sym{**} &   -0.025         &   -0.737         &                  \\
                &  (0.007)         &  (6.475)         &  (0.026)         & (19.791)         &                  \\
\midrule
Observations    &    60000         &    60000         &    60000         &    60000         &    17540         \\
Control Mean loan=0&    0.030         &   14.314         &    0.098         &  357.468         &        .         \\
Control Mean loan=1&    0.010         &    4.155         &    0.021         &  110.991         &    0.253         \\
p-value Savings  = MB&    0.000         &    0.000         &    0.000         &    0.140         &    0.375         \\
Total effect MB &    0.050         &   19.615         &    0.061         &   17.845         &                  \\
Total Effect MB p-value&    0.000         &    0.000         &    0.000         &    0.151         &                  \\
Wave FE         &      Yes         &      Yes         &      Yes         &      Yes         &      Yes         \\
